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Term investments

With a term investment, from the day you make your deposit, you know the interest rate you'll be getting and how long you'll be investing for.

A term investment is right for you if:

  • You want a guaranteed interest rate for your investment
  • You're looking for an investment that's eligible for most non-registered and registered plans

Term investments offered

Daily Interest FundGuaranteed Interest FundStep-up Interest FundNon-redeemable Guaranteed Interest Fund
Your capital is always available (it can be used as an emergency fund).You can choose a term between 3 months and 20 years.Your interest rate goes up each year until the end of the term.

You generally get a higher interest rate than you would on a redeemable term investment.

 

Available in Quebec only.

Term doesn't apply.Term between 3 months and 20 years. Term of 5 or 10 years.Term of 3 years or more.
Can be withdrawn at any time.Can be redeemed at any time.Can be redeemed once a year only within the 30 days prior to the anniversary date.Cannot be redeemed.
Potentially higher interest rate than on a chequing account.Interest rate varies depending on the amount invested.Compound interest rate.Higher interest rate than on a redeemable term investment.
Interest rate can vary from day to day depending on the markets.Guaranteed return at maturity.Guaranteed return at maturity.Guaranteed return at maturity.
Eligible for registered (RRSP, TFSA, etc.) and non-registered plans.Eligible for registered (RRSP, TFSA, etc.) and non-registered plans.Eligible for registered (RRSP, TFSA, etc.) and non-registered plans.Eligible for RRSP and non-registered plans.
Minimum investment: $500Minimum investment: $500Minimum investment: $500Minimum investment: $10,000
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